Different Types of Non-Standard Homes

Not every home fits the traditional mould of a standard, owner-occupied property. Many properties in the UK fall into the non-standard home category due to how they are used rather than how they are built. These homes may be rented out, left unoccupied for long periods, or used for business purposes—all of which can impact maintenance, running costs, and eligibility for certain services.

Here’s a breakdown of the different types of non-standard homes and what makes them unique.

1. Bed & Breakfast (B&B)

A B&B is a home that also functions as a small business, offering short-term guest accommodation with breakfast included. Many are run by live-in owners, while others may be fully let out.

Key Features:

✔ Typically owner-occupied but with guest rooms
✔ Often requires commercial-level maintenance and safety standards
✔ Subject to business regulations, including fire and food safety rules

Considerations:

• May require specialist mortgage or insurance due to its business use
• Income can fluctuate based on seasonal demand
• Higher wear and tear due to frequent guest stays

2. Holiday Home (Owner-Occupied)

A holiday home is a second property used by the owner for personal getaways rather than as a permanent residence.

Key Features:

✔ Not rented out to the public
✔ Can be in the UK or abroad
✔ Often located in popular tourist areas

Considerations:

• May be left unoccupied for long periods, increasing risks of damp, burglary, or maintenance issues
• Some holiday home developments have restrictions on year-round living
• Running costs can be high if used infrequently

3. Holiday Let

Unlike a personal holiday home, a holiday let is a property that is rented out to guests on a short-term basis. This could be a cottage, apartment, or lodge in a holiday park.

Key Features:

✔ Rented out for short stays, usually via platforms like Airbnb or holiday letting agencies
✔ Often fully furnished and maintained like a business
✔ Subject to local regulations on holiday rentals

Considerations:

• Some areas have restrictions on the number of days a property can be let per year
• Income can be seasonal and vary based on demand
• Requires regular maintenance, cleaning, and guest management

4. Owner-Occupied but Unoccupied for 4+ Months a Year

Some properties are lived in by the owner but left empty for extended periods—this could be due to travel, work commitments, or seasonal living.

Key Features:

✔ Still considered a main home but left empty for long stretches
✔ Can apply to retirees who travel frequently or professionals with multiple residences

Considerations:

• Extended vacancy increases risks of break-ins, leaks, and maintenance issues
• Some services, like insurance, may have restrictions for long-term unoccupancy
• May require periodic checks or caretaking to prevent deterioration

5. Rented Home (Tenant-Occupied)

A rented home is a property where the owner is a landlord, and tenants live in the property under a rental agreement.

Key Features:

✔ Occupied by tenants rather than the owner
✔ Can be a single-let property (one household) or an HMO (House in Multiple Occupation)
✔ Subject to landlord regulations, including gas safety checks, landlord insurance and deposit protection

Considerations:

• Landlords are responsible for maintenance and legal compliance
• Rental income can fluctuate depending on tenancy agreements and market demand
• Tenant behaviour can impact the condition of the property

7. Residential Let

A residential let is similar to a rented home but is typically a long-term rental rather than a short-term let or holiday rental.

Key Features:

✔ Tenants usually sign a tenancy agreement for six months or more
✔ Can be privately let or managed by a letting agency
✔ Landlord responsibilities include property upkeep, safety checks, and legal compliance

Considerations:

• Some properties may have restrictions on renting (e.g., leasehold agreements)
• Void periods (times when the property is empty) can impact rental income
• Market conditions can affect how quickly a property can be let

8. Unoccupied Home

An unoccupied home is a property that is not lived in by either the owner or tenants. This could be due to renovations, inheritance, or waiting for sale.

Key Features:

✔ No full-time residents
✔ May be furnished or unfurnished
✔ Higher risk of damage, break-ins, or deterioration

Considerations:

• Some properties may be subject to council tax premiums if left empty for too long
• Unoccupied homes can be harder to insure
• Regular inspections may be needed to meet security and maintenance requirements

Final Thoughts

Non-standard homes can be fantastic investments or lifestyle choices, but they come with unique challenges. Whether a property is used as a holiday let, rental, or left unoccupied, it’s essential to consider factors like maintenance, non-standard home insurance, regulations, and long-term costs.

Would you ever consider owning a non-standard home? Let us know which type appeals to you most!

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